Why Invest timely and wisely

I am sharing some basic calculations of making investments . Suppose we invest X amount of money at rate of interest 8, 10, 12 , 14, 16 and 18 percent . The time  period of investments be 20,25, 30, 32,34,36, 40,45 years. Lets see how many times the money should multiply in the table below 

Now lets adjust these values with inflation at 6 percent to see how much  will the actual value of money be increasing 

These calculations are done through chat gpt so some variation can be possible. 

Some important lessons to learn from these calculations 

- Invest early : You can see how much variation is possible which year passing year. You can simply visualise difference in your money invested for 34 years and 35 years. That can help you draw a comparison. 

- Balanced portfolio : If you invest all your money if safe investments like PPF you can understand you will get little benefit keeping in mind inflation. Too risky investment can give good returns but are risky. Diverse your portfolio. Invest money in PPF/ SIP/ Bonds/ Gold-ETF . On a long run we should try to get 10-12 percent returns on our investments to multiply wealth. 

Lets assume we are investing 30000 rupees per month. Now lets actually see how much will this small investment become at time of maturity. 

Without Inflation adjustment  

With Inflation adjustment at 6 percent 

Happy Investing 

Major technical Innovations through human evolution

1. 1. Fire Control:

   • Timeline: Mastery of fire is estimated to have occurred around 1 million years ago.
   • What Led to It: Early humans likely discovered fire through natural occurrences like lightning strikes or volcanic activity, then learned to control it.
   • Outcomes: Fire provided warmth, protection, and enabled cooking, leading to improved nutrition and expanded habitation into new environments.
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2. 2. Language:

   • Timeline: The development of spoken language likely began around 100,000 to 50,000 years ago.
   • What Led to It: The need for communication and coordination among early humans likely drove the development of spoken language over time.
   • Outcomes: Language facilitated cooperation, knowledge-sharing, and cultural transmission, enabling the development of complex societies and the accumulation of collective knowledge.
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3. 3. Agriculture:

• Timeline: The transition from hunting and gathering to farming began around 10,000 years ago.
• What Led to It: The gradual domestication of plants and animals by early humans led to the development of agricultural practices.
• Outcomes: Agriculture allowed for the reliable production of food, leading to population growth, the rise of permanent settlements, and the emergence of civilization

4. 4. Wheel:

   • Timeline: The invention of the wheel occurred around 3500 BCE.
   • What Led to It: The need for more efficient methods of transportation likely spurred the invention of the wheel.
   • Outcomes: The wheel revolutionized transportation, enabling the movement of goods and people over long distances and facilitating trade and cultural exchange.
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5. 5. Writing Systems:

   • Timeline: Writing systems emerged around 3200 BCE.
   • What Led to It: The need for record-keeping, administration, and communication in increasingly complex societies drove the development of writing systems.
   • Outcomes: Writing allowed for the recording and dissemination of knowledge, the organization of societies, and the preservation of cultural heritage.
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6. 6. Metallurgy:

   • Timeline: The development of metallurgy began around 6000 BCE with the discovery of copper.
   • What Led to It: Experimentation with naturally occurring metals led to the discovery of metallurgical techniques for extracting and working with metals.
   • Outcomes: Metallurgy enabled the production of stronger tools and weapons, leading to advancements in agriculture, trade, and warfare.
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7. 7. Navigation:

   • Timeline: Early navigation techniques date back thousands of years, with evidence of celestial navigation and the use of landmarks.
   • What Led to It: The need for exploration, trade, and migration likely drove the development of navigation techniques.
   • Outcomes: Navigation allowed humans to explore and colonize new territories, facilitating trade, cultural exchange, and the spread of ideas.
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8. 8. Printing Press:

• Timeline: The printing press was invented by Johannes Gutenberg around 1440.
• What Led to It: The desire to replicate written materials more efficiently, especially during the Renaissance, drove the invention of the printing press.
• Outcomes: The printing press revolutionized the spread of knowledge, enabling the mass production of books and contributing to the proliferation of literacy and the spread of ideas.

• 9. 9. Steam Engine:

     • Timeline: The steam engine was developed in the late 17th century, with significant advancements during the Industrial Revolution in the 18th and 19th centuries.
     • What Led to It: The need for more efficient sources of power in industries such as mining and manufacturing drove the development of steam engines.
     • Outcomes: The steam engine powered machinery and transportation, catalyzing the Industrial Revolution and transforming economies and societies.

  10. 10. Electricity:

      • Timeline: Practical application of electricity began in the 18th century, with significant developments throughout the 19th and 20th centuries.
      • What Led to It: Centuries of experimentation with electricity, culminating in discoveries by scientists like Benjamin Franklin and Alessandro Volta, led to the practical application of electricity.
      • Outcomes: Electricity revolutionized lighting, communication, transportation, and manufacturing, powering innovations such as electric lighting, telegraphs, and electric motors.

  11. 11. Telephone:

      • Timeline: The telephone was invented by Alexander Graham Bell in 1876.
      • What Led to It: The desire for more efficient long-distance communication methods drove inventors like Alexander Graham Bell to develop the telephone.
      • Outcomes: The telephone revolutionized communication by allowing real-time voice transmission over long distances, connecting people across the world and transforming business and social interactions.

  12. 12. Internal Combustion Engine:

      • Timeline: The internal combustion engine was patented by Nikolaus Otto in 1876.
      • What Led to It: Advances in engineering and metallurgy, coupled with the demand for more efficient power sources, led to the development of the internal combustion engine.
      • Outcomes: The internal combustion engine powered automobiles, airplanes, and other vehicles, revolutionizing transportation and enabling rapid mobility and globalization.

  13. 13. Radio:

  • Timeline: Radio technology was invented in the late 19th century, with significant advancements throughout the 20th century.
  • What Led to It: The quest for wireless communication and advancements in electromagnetic theory led inventors like Guglielmo Marconi to develop radio technology.
  • Outcomes: Radio enabled long-distance wireless communication, facilitating broadcasting, mass media, and the dissemination of news and entertainment to a wide audience.

  14. 14.Television:

      • Timeline: Television was first demonstrated in the 1920s, with commercial broadcasting beginning in the 1930s.
      • What Led to It: Advances in electronics, radio technology, and image transmission techniques paved the way for the invention of television.
      • Outcomes: Television brought visual media into homes around the world, revolutionizing entertainment, news reporting, and advertising, and shaping cultural norms and perceptions.

  15. 15. Computer:

      • Timeline: The development of electronic computers began in the mid-20th century, with significant advancements leading to the modern computer era.
      • What Led to It: The need for faster and more efficient data processing, especially during World War II, drove the development of electronic computers.
      • Outcomes: Computers revolutionized data processing, scientific research, business operations, and communication, paving the way for the digital age and the Information Revolution.

  16. 16. Internet:

      • Timeline: The internet emerged as a global network in the late 20th century, with significant developments in the 1970s, 1980s, and 1990s.
      • What Led to It: Research projects aimed at creating a decentralized communication network, coupled with advances in computer networking technology, led to the development of the internet.
      • Outcomes: The internet revolutionized communication, commerce, and information sharing, connecting people and organizations around the world and enabling the rapid exchange of data and ideas.

  17. 17. Space Exploration:

      • Timeline: The space age began with the launch of Sputnik 1 in 1957, followed by human spaceflight missions and robotic exploration of the solar system.
      • What Led to It: The Cold War rivalry between the United States and the Soviet Union, coupled with advancements in rocket technology, drove the race to explore space.
      • Outcomes: Space exploration expanded human understanding of the universe, led to technological innovations, and inspired future generations of scientists, engineers, and explorers.

  18. 18. Vaccines and Antibiotics:

      • Timeline: The development of vaccines and antibiotics began in the late 19th and early 20th centuries, with significant breakthroughs in the 20th century.
      • What Led to It: The discovery of microorganisms and advances in microbiology led to the development of vaccines and antibiotics.
      • Outcomes: Vaccines and antibiotics revolutionized medicine by preventing infectious diseases and treating bacterial infections, saving countless lives and improving public health worldwide.

  19. 19. Renewable Energy Technologies:

      • Timeline: Research and development of renewable energy technologies began in the late 20th century, with significant advancements continuing into the 21st century.
      • What Led to It: Growing concerns about environmental degradation and finite fossil fuel resources drove research and development into renewable energy technologies.
      • Outcomes: Renewable energy technologies such as solar, wind, and hydroelectric power offer sustainable alternatives to fossil fuels, reducing greenhouse gas emissions and mitigating climate change.
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